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Website terms of service

The following Website terms of service (the "Terms") govern the relationship between you and the SBI Canada Bank ("we", "our" or "us") and governs your use of our Canadianwebsite and its content (collectively, the "Website").

By accessing the Website, you acknowledge these Terms and agree to be bound by them. If you do not agree to these Terms, you arenotpermitted to access the Website and must not access the Website. We reserve the right, in our sole discretion, to modify, alter or otherwise update these Terms at any time and you agree to review the Terms regularly, and your continued access or use of the Website will mean that you agree to any changes.

Privacy

Protecting your privacy and the confidentiality of the personal information you give us has always been fundamental to the way we do business. Please review our Privacy Policy at: http://www.sbicanada.com/PrivacyPolicyUI.aspx.

Products and Services

All products and services referred to on the Website are subject to the terms of the applicable agreement(s) governing their use. These products and services are available in Canada and only in those other jurisdictions where they may be legally offered. The Website does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.

Site Information

The information on the Website, including but not limited to text, graphics, images, downloadable content, and linksto other Internet resources, (the"Site Information") is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of aprofessional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information. The Site Information does not constitute theofficial version of our disclosure documents and maynot always be the most current. We maychange the Site Information at any time.

Copyright and Trademarks

Copyright © 2016 SBI Canada Bank. All rights reserved. The Site Information is protected under the copyright laws ofCanada and other countries. Certain items of the Site Information may be the copyright of others. Certain names, words, titles, phrases, logos, icons, graphics or designs, or other content on the Website, are trademarks or trade names owned by us or our affiliates.

Nothing on the Website shall be construed as conferring any interest in or to any of our intellectual propertyrights. The Site Information is for your personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution as denoted on the pages copied. The Site Information may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without our express written permission. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Website may be a violation of federal or other law that may apply to trademarks and/or copyrights, and such actions could subject the copier to legal action.

Website Provided "as is"

The Website and the Site Information is provided on an "as is" basis and we do not make any express orimplied warranties, representations, endorsements orconditions with respect tothe Website or the Site Information, including without limitation, warranties or conditions as to merchantability, operation, non-infringement, usefulness,completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, we do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will benodelays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will betransmitted orthatno damage will occur to your computer system. You havesoleresponsibility for taking protection and backup of data and/or equipment and for takingreasonable and appropriate precautions to scan for computer viruses or other destructiveproperties.

Export Control

Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described on the Website. If you choose to access the Website, you do so on your own initiative and are responsible for compliance with applicable local, national or internationallaws. You may not use, export or re-export the Site Information or any copy or adaptationthereof in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

No Liability for Use of Website

WE WILL NOT BE LIABLE FOR ANYDAMAGES, LOSSES OR EXPENSES (INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL ORPUNITIVEDAMAGES) ARISING FROM THEUSE OR INABILITY TOUSETHE WEBSITE OR THE SITE INFORMATION, ORANERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, SYSTEM FAILURE, LOSS OFDATA OR OTHERWISE, EVEN IF WE OR OUR REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Hyperlinks and Third Party Sites

Hyperlinks to other Internet resources or websites are provided for convenience only and are used at your own risk. We make no representations whatsoever about other websites which you mayaccess through links from the Website. We do not review or control, and arenotresponsible for, anywebsites linked from orlinking to the Website, the content of those websites, the privacy practices or security standards of those websites, the third parties named therein, or their products or services. Linking to any other website is at your sole risk we will not be responsible or liable for any damages in connection with such linking. In addition, we do not endorse or approve of any websites linked from or to the Website.

Applicable Law

The Website is administered by the SBI Canada Bank from its offices in Canada. Except where prohibited by the laws of your jurisdiction, the Website will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to the principles of conflicts of law, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising out ofor in connection with the Website, the Site Information, or theTerms shall be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Website, the Site Information, or the Terms.